Thank you, Mr. Chairman. I thought there was some pretty good risk management described in the memo, but I didn’t really follow or don’t understand exactly the process by which we would generate a loss through these swap lines. Could you take us through the state of the world in which we would actually generate a loss? I raised this question before with the industrialized countries, and the answer was that because those are very high quality countries, we don’t really have to worry about that. I understand that they follow pretty reasonable economic policies during normal times. But what are the safeguards, and what would be the process by which we would generate a loss?